Personalized bank products cover high-frequency and demanding business scenarios such as recharge, payment, and consumption, and the payment ability is independent of the scene business, meeting the school management requirements, teachers' and students' consumption habits, and bank investment income. Through payment incentives and other marketing means, stimulate the bank end activity, cultivate users' use habits on the bank end, quickly build an ecology based on financial services, activate traffic, master data, and retain customers.